I wouldn't say you overpaid if you paid less than invoice. Like others said, you can always get a better deal, but that comes at the risk of what dealer you will buy from and how long you're willing to wait. I was able to get 2% under invoice price, although that's from a local dealer. I'm sure if I went to a larger dealer, they could have beat that, but this one worked with me easily and meets my timing needs for the new vehicle.

He's paying $500 over invoice. I hate to be the one to tell you that it's not a good choice to continue with this deal, but it's not. I'd back out of the deal and see if you can get hooked up with one of the group buys here. Where are you located? You can get that APR at any location since it's not even through the dealer.